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Helpmeplease2015

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Can collectors come after you if the debt is no longer on your credit?

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Yes, they can, BUT, they only have so long to sue you for a debt. You need to check the Statute of Limitations to be sued for debt in your state. This time frame is different from the credit reporting time period of 7 years and in most states is shorter than 7 years. If the debt is outside of the statute of limitations, then send them a Cease & Desist Letter telling them to no longer contact you about the debt. If the debt is within the SOL where you could still be sued for it, then tread carefully and don't contact them unless you want to pay it.  Also make sure they are not violating the FDCPA in any way as many debt collectors do. If you find them to be violating your rights or the FDCPA, then you should contact a consumer law attorney and consider suing them.

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Things you should research:

-FDCPA (fair debt collection practices act)

-SOL (Statute of LImitations) to be sued for debt in your state

-How to write a "Cease & Desist Letter" to debt collectors

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